{
  "source": "https://public.cdr.prd.policebank.com.au/cds-au/v1/banking/products/c7b52b14-0eef-490f-a6a7-07b3a4d3eea9",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "Police Bank",
    "description": "This savings account helps reduce the interest you pay on your mortgage. Funds are available at call. You can set up bill payments and use internet and phone banking on this account. ",
    "isTailored": false,
    "lastUpdated": "2026-05-21T23:46:51.097Z",
    "name": "Mortgage Offset Account",
    "productCategory": "TRANS_AND_SAVINGS_ACCOUNTS",
    "productId": "c7b52b14-0eef-490f-a6a7-07b3a4d3eea9",
    "additionalInformation": {
      "overviewUri": "https://www.policebank.com.au/forms/join",
      "termsUri": null,
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": null,
      "additionalTermsUris": null,
      "additionalEligibilityUris": null,
      "additionalFeesAndPricingUris": null,
      "additionalBundleUris": null
    },
    "applicationUri": "https://www.policebank.com.au/forms/join",
    "brandName": null,
    "brandGroup": null,
    "cardArt": null,
    "effectiveFrom": "2020-09-24T02:02:00Z",
    "effectiveTo": null,
    "bundles": null,
    "constraints": null,
    "depositRates": [
      {
        "depositRateType": "VARIABLE",
        "rate": "0",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.policebank.com.au/interest-rates/#",
        "additionalValue": null,
        "applicationFrequency": "P1M",
        "calculationFrequency": "P1D",
        "tiers": null,
        "applicationType": "PERIODIC",
        "applicabilityConditions": null
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Australian Residents"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalInfo": null,
        "additionalInfoUri": null,
        "additionalValue": "Australian Citizen"
      },
      {
        "eligibilityType": "NATURAL_PERSON",
        "additionalInfo": "Individuals",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [
      {
        "featureType": "OTHER",
        "additionalInfo": "Contributes to Reduced Fees Program. Simply maintain a combined monthly balance of $5000 or more worth of savings, investments or loans and you will receive more fee free ATM and EFTPOS transactions as well as qualify for fee rebates.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct Debits. A facility to make direct debit payments from your account",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/financial_services_guide.pdf",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Email Address. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Phone banking. You can pay bills via BPAY and check your account details or make transfers anytime or anywhere online with Internet Banking – the service is free.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "NPP allows participating banks and financial institutions to process, clear and settle Osko® Fast Payments (which are payments made and received in near real-time) and NPP Quick Payments. ",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet banking. You can pay bills via BPAY and check your account details or make transfers anytime or anywhere online with Internet Banking – the service is free.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Periodical Payments. Account allows Periodical Payments via Cheque and can also make External Periodical Payments",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct Credits. Make regular credits like your pay into this account",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/financial_services_guide.pdf",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalInfo": "BPAY - for your bill payments with access to the\r\nBPAY system*",
        "additionalInfoUri": null,
        "additionalValue": "BPAY",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "Mobile Number. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NPP_PAYID",
        "additionalInfo": "PayTo® is a modern digital payment solution offering a fast, easy and secure way to pay. It gives members more visibility and control over their payments, and enables merchants and businesses to initiate real time payments from their customers’ bank accounts.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Periodical Payments. Can set up Periodical Payments",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalInfo": null,
        "additionalInfoUri": "https://www.policebank.com.au/credit-card",
        "additionalValue": "P55D",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct Credits. Set regular payments like your pay sent straight to your account",
        "additionalInfoUri": "https://www.policebank.com.au/credit-card",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "Pay with your Police Bank Visa Debit Cards using Google Pay",
        "additionalInfoUri": null,
        "additionalValue": "Google Pay",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Bank@Post. Withdraw cash at any participating Australia Post outlets with Bank@POST™",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "NPP_ENABLED",
        "additionalInfo": "Yes",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "CARD_ACCESS",
        "additionalInfo": "Can be used at over 29 million Visa outlets in over 250 countries around the world",
        "additionalInfoUri": "https://www.policebank.com.au/credit-card",
        "additionalValue": "Credit Card",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Direct Debits. Set up Direct Debits from this account",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "Pay with your Police Bank Visa Debit Cards using Samsung Pay",
        "additionalInfoUri": null,
        "additionalValue": "Samsung Pay",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalInfo": "Internet Banking. You can pay bills via BPAY and check your account details or make transfers anytime or anywhere using our online with Internet Banking – the service is free.",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalInfo": "Pay with your Police Bank Visa Debit Cards using Apple Pay",
        "additionalInfoUri": null,
        "additionalValue": "Apple Pay",
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Visa Preferred Rewards. Our Visa Card provides access to the Visa Entertainment program. This gives you the opportunity to purchase unique deals including preferred seating at special events, discounts on retail as well as other exclusive offers",
        "additionalInfoUri": "https://www.policebank.com.au/credit-card",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "ATM withdrawals. up to $1000",
        "additionalInfoUri": "https://www.policebank.com.au/pdf/Schedule_of_fees_and_charges.pdf",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Visa PayWave. Our Debit Card is issued with the Visa PayWave ‘contactless’ payment feature. This allows you to pay for purchases under $100 without swiping, signing, or entering a PIN at participating merchants.",
        "additionalInfoUri": "https://www.policebank.com.au/credit-card",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Verified by Visa. Verified by Visa is a service designed to ensure you are protected while shopping online with your Visa card. As you make a purchase online, Police Bank assesses the risk of the transaction based on a number of factors. In some instances, you may be asked to confirm some personal details (date of birth, mother's maiden name, address details) so Police Bank can be sure the card isn't being used without your permission.",
        "additionalInfoUri": "https://www.policebank.com.au/faq/#visa",
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Confirmation Of Payee",
        "additionalInfoUri": null,
        "additionalValue": null,
        "isActivated": "UNKNOWN"
      }
    ],
    "fees": [
      {
        "feeType": "TRANSACTION",
        "name": "Counter Cash withdrawal fee up to $24,999",
        "additionalInfo": "First 3 free if part of Reduced Fees program",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "2.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Default Notice Fee",
        "additionalInfo": "Payable if and when we send you a default notice for an overdrawn account where an arrears remains\r\nunremedied after we have sent you an arrears letter ",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "21.50"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "External Electronic Periodical Payments",
        "additionalInfo": "If part of the Reduced Fees program, the first 3 transactions are free. Per transaction if Police Bank staff set up on your behalf. ",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "1.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "TRANSACTION",
        "name": "Counter Cash withdrawal $25,000 and over",
        "additionalInfo": "Per cash withdrawal $25,000 or over",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "50.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Document Retrieval Fee",
        "additionalInfo": "Minimum $22.77 per hour retrieval fee and minimum $30 per hour administrative fee. Payable on request for documents to be retrieved",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Additional Statement Fee",
        "additionalInfo": "$1.50 per page. Payable if and when you request an additional statement.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "5.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Third Party Costs",
        "additionalInfo": "At Cost. Any costs charged to us from a third party will be passed on to you. Information on these costs is\navailable on request.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "DISHONOUR",
        "name": "Direct Debit Dishonour Fee",
        "additionalInfo": "Direct Debit Dishonour Fee per transaction",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "9.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Dormant Accounts fee",
        "additionalInfo": "After 3 years an account is classed as dormant if no Member transactions occur. Interest, fees\r\nand government charges are not classed as transactions.",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      },
      {
        "feeType": "EVENT",
        "name": "Overdrawn Savings Account Fee",
        "additionalInfo": "Payable when any Savings Account is overdrawn by $75 or more within a calendar month\r\nInterest will also be charged at the then current Overdraft interest rate",
        "additionalInfoUri": "https://www.policebank.com.au/schedule-of-fees-and-charges",
        "additionalValue": null,
        "currency": "AUD",
        "discounts": null,
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "15.00"
        },
        "rateBased": null,
        "variable": null,
        "feeCap": null,
        "feeCapPeriod": null
      }
    ],
    "lendingRates": null,
    "instalments": null
  }
}